Mortgage Loans for Home Refinancing

Refinance your mortgage loan with Space Coast Credit Union and you could save thousands of dollars in interest!  Lowering your interest rate would enable you to enjoy more affordable monthly payments or even pay off your mortgage sooner if that is your goal.

Choose the Refinancing Option that Best Fits Your Needs:

Product Name Benefits Features Recommended For
Conventional Fixed Rate Mortgage Refinance with this "traditional" type of loan that maintains its original interest rate throughout the entire life of the mortgage loan.

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You want to refinance to a loan that won’t fluctuate with market rates. APPLY NOW
Adjustable Rate Mortgage An adjustable rate home loan provides an initial fixed rate that adjusts after a stated time period with lower initial monthly payments. 

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You prefer to refinance to a loan with payment stability and lower monthly expense. APPLY NOW
Jumbo Loan A higher mortgage refinancing option for loans larger than the conventional limit of $453,000.

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  • Fixed and adjustable rate mortgage options available
  • Variety of terms available
  • Mortgage Rates
Your mortgage loan refinancing needs are greater than conventional loan limits. APPLY NOW
FHA Loan From fixed rate, to condo, streamline and cash-out, FHA refinance options allow owners to take advantage of equity earned in their property.

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  • Lower fixed rate
  • Cash-back option
  • Fast application process
You want to refinance to a lower rate, and might need cash back for an unexpected or large expense. APPLY NOW
VA Home Loans Backed by the VA, these loans allow service members, veterans and spouses to find a better rate with more favorable terms.

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  • Reusable benefit
  • Zero down payment
  • PMI premium waiver
Service members who want to lower their rate and payment, or take some cash out of equity earned.APPLY NOW

All SCCU Mortgage Loans Feature

Mortgages: Mortgage loans are originated by Space Coast Credit Union, and are subject to credit approval, verification and collateral evaluation. Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Certain restrictions apply. These mortgage loan programs constitute first mortgage liens secured by the home and property. The down payment is determined by the Loan to Value ratio. (90% LTV = 10% down payment) Loans exceeding 80% of the appraised value of the home require private mortgage insurance. Member responsible for any funds needed for closing costs and pre-paid escrow. Loan to value limits and private mortgage insurance requirements do not apply to HARP loans.

1Mortgage Interest Rate Guarantee: If the comparable SCCU interest rate is
lower than your original interest rate five (5) business days before the closing and the interest
rate lock-in has not expired, SCCU will reduce the interest rate on your loan 5 business
days prior to closing. This is limited to a reduction of .25 percent. A one-time fee of $75
will be assessed at time of closing if this Price Guarantee is exercised and your rate
is reduced. Other conditions may apply, contact SCCU for details.

2Mortgage Down Payment: Conditions apply. Program applies to primary residence, single family detached homes in good condition and condos meeting program conditions. 5% down payment must come from member's own funds. See current rates. Contact SCCU for complete details.
  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

Space Coast Credit Union (SCCU) © 2019



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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.